Applications / Mortgage Analytics / Lenders / New York / Community Federal Savings Bank
Woodhaven, NY · Savings institution · OCC · $866 million assets · 29 loans in 2025
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29
loans originated, 2025
34
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Community Federal Savings Bank makes few mortgages but very large ones: its typical loan in 2025 was $2.2 million, against $235,000 at similar lenders.
The bank made 29 loans in 2025, fewer than about four in five similar lenders (savings institutions making between half and twice as many loans). Yet those loans added up to $75.2 million, more than nearly all of its peers, whose middle was $12.9 million. Its typical loan has been $2.2 million for two years running, and refinances made up 86.2% of its lending.
Most of its loans, 58.6%, went to majority-minority neighborhoods, against 6.7% at a typical similar lender. About a third, 34.5%, went to low- and moderate-income (LMI) neighborhoods, against 15.0%. Both shares may reflect a small footprint of five counties, mostly in New York. On so few loans, a handful can move either figure.
The bank filed no HMDA report from 2019 to 2022; those years are gaps in the record, not years without lending. Since it resumed in 2023 its volume has barely moved, at 33, 28 and then 29 loans. It grew 4% in 2025, while a typical similar lender shrank 7% and the whole market grew 10%.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Community Federal Savings Bank took 34 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 86.2% · Purchase 13.8%
Conventional 100.0% · of 29 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| New York | 28 | 96.6% |
| New Jersey | 1 | 3.4% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| New York-Jersey City-White Plains | 27 |
| Nassau County-Suffolk County | 1 |
| Newark | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300XVCHXNN8R67U29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 3040418 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 417528 | 2004–2009 |
| Respondent ID (the HMDA filer code before 2018) | 1717528 | 2013–2017 |
Established 16 July 2001. Reported under HMDA 2004-2025.
Mergers, name changes, data editions and corrections: Community Federal Savings Bank's data.
Community Federal Savings Bank's data
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Community Federal Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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